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OCEANFIRST FINANCIAL CORP OCFC
OCEANFIRST FINANCIAL CORP (OCFC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.55% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OCFC | OCEANFIRST FINANCIAL CORP | 4/9 | — | 26.6 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About OCEANFIRST FINANCIAL CORP
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, loans on savings accounts, overdraft line of credit, and other consumer loans. In addition, the company invests in mortgage-backed securities, securities issued by the U.S. government and agencies, corporate securities, and other investments; and provides bankcard services, trust and asset management products and services, deposit account services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The company was founded in 1902 and is headquartered in Toms River, New Jersey.
FAQ
Is OCFC financially healthy?
OCEANFIRST FINANCIAL CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OCFC pay a dividend, and is it safe?
Yes. OCEANFIRST FINANCIAL CORP pays a dividend yielding about 2.55% with a 68.0% payout ratio, rated “stretched” for safety.
How profitable is OCFC?
In FY2025, OCEANFIRST FINANCIAL CORP had a return on equity of 4.3%.
Is OCFC overvalued or undervalued?
OCEANFIRST FINANCIAL CORP trades at about 16.4× trailing earnings — near its 10-year norm (10-year range 9.9×–29.0×, median 15.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OCFC?
The average Wall-Street price target for OCEANFIRST FINANCIAL CORP is $21.50, about 12.3% above the recent price, from 6 analysts (consensus: buy).
Is OCFC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on OCEANFIRST FINANCIAL CORP: a Piotroski F-score of 4/9, a P/E of about 26.6×, a dividend yield of 2.55%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.